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It’s not recommended to do a full medical check-up before buying insurance. Here’s why: If the check-up reveals certain illnesses (even ones you didn’t notice), the insurance company may reject your application, increase your premium, or exclude that condition from coverage. Minor health issues you weren’t aware of could become an “existing medical condition” once written in a medical report, allowing the insurer to deny claims related to it. The right approach: Ask your insurance agent to assess your health first, then submit your application (sometimes the insurer will arrange their own medical check-up). Once your policy is approved, you can go for a full medical check-up. This reduces your risk.

It’s best to wait at least two years before doing a large-scale, comprehensive health screening (especially those that detect chronic diseases or cancer markers). The reason is: Insurance policies often include an “incontestability clause.” Once your policy has been active for two years, the insu

Yes. Usually, you only need one medical card, but remember to upgrade it in line with inflation. Other protections—such as critical illness, income protection, and accident coverage—should be added gradually as you move through different life stages.